Consumer Power: Want to ask the Financial Ombudsman a question?

technicolor

I booked a holiday last year through A1 Travel who obtained my flights through goldtrail travel, who then went into liquidation in July2010. I had booked my holiday on my credit card and have made a claim under section 75 of the consumer act.Can you tell me how long it should take to claim my money back and if the credit card company are responsible for doing this.My credit card company have told me that it should take 6-8 weeks and the caa have advised me 6-8 months if claiming through them.Who is actually responsible for giving me a refund?

whiddywiz

I have recently been advised by Halifax that the cash withdrawal charges rate is to increase, yet presently this is the last charge that gets repaid from the monthly payments, if there is a large debt, this could not be repaid for a while!! Is this fair, or have the recent changes meant that the highest rates will be paid off first?

Joocynyx

I wanted to know what the next step is when the Financial Ombudsman finds in your favour?
My partner and I have recently complained to the Ombudsman about our car finance and they found in our favour. The Ombudsman wrote to the finance company stating that they find in our favour and that they should clear our debt, refund our initial deposit and provide compensation for the way they've handled our case. Its now been 3 months and we havent heard from the Ombudsman about how we get our money back or what chase up they will do with the finance company. I should stress, this has been going on for the last 2 years!

doveye

I'm on a monthly contract with my broadband provider. I expected to be asked for my card details every month, but instead all they do is keep my details and help themselves to money out of my account each month. Sure they email me first, but I'm not even required to tick a box anywhere to say that's ok. I could be in the hospital or have died or something, and they'd still be taking the money.

A car insurance company kept my card details (also without my knowledge) for a whole year, then sent me a letter saying if I didn't let them know otherwise, they would be helping themselves to my money too, for the next year's insurance.

How can this be legal?? I think this practice ought to be outlawed. At the very least the customer should be required to 'okay' the transaction, and they should be asked if it's ok for the company to store their card details (in an obvious way, not hidden in some small print).

skinz

I was hit by an unisured driver after fighting for a few months I have given up with it.

Basically after fighting the MIB who refused my claim initially by looking at believe it or not google maps and deciding that I was in the wrong lane the MIB have now seen the error of their ways and paid my excess back, My insurance company will not re-instate my no claims bonus as it says they have to recover their costs and therefore its like a fault accident on my my driving history.

Why do we pay insurance and then have to suffer vast losses. In my case 3 years no claims gone, £1700 for last years insurance which was believe it or not £600 the previous year as I had a claim pending and now I have no claims, it leads me to ask why do we insure ourselves when we are the ones who lose out. The unisured driver faces nothing. In my case driver was not found, the vehicle owner got 3 points and £50 fine for refusing to inform the ploice who was driving at the time.

Me a couple of grand out of pocket and all my no claims lost. Where is the justice in that

I would love someone to contact me regarding this if possible as I dont know what I can do now except take all the losses thrown at me, which I will be paying for, for many years to come,

Edit: Forgot to mention the name and address of the driver are known to the insurance company who have checked and confirmed that the person lives at the address using a private company. This was consirmed to me by the insurers solicitors who now will not help me as they are trying to use any way to negate my policy. The last one was that I had no legal cover therefore they can not help me but they are soley acting for the insurer now. I sent my policy Documents to them highlighting the section stating legal cover upto £50,000. Still being stonewalled by all parties to this fiasco and lets not start about the hire car company as used by the claims management company and the hire car company they used.

The whole industry is a joke

domsta

I made a complaint to the FO in 2008. Months later after the case had been `taken on` and letters written by the FO to the offending company...I recd a letter from an adjudicator at the FO saying that they had no jurisdiction to take on the case, since the company were based in the Isle of Man.

By the time I contacted the IOM FO....of course I found the `time limitations` had been exceeded and the the largest part of the complaint could be taken no further. Soooo, the FO has potentially cost me a lot of money...simply because they failed to recognise that they had no jurisdiction, and wasted my time (and their own in attempting to correspond to said company). Do I have a claim against the FO?

shortchanged_2

Why does the FOS not seem to understand the concept of equal liability?

Equaliser123

Why do so many posters on here not understand MSE Wendy's comments that this is not about individual cases???????

Equaliser123

For me it would be why do adjudicators seem to have such very low knowledge of legal principles. In every one of the cases I have been involved with, the adjudicator has utterly failed to understand basic concepts of English contract law.

mikejharvey

Whilst trying to argue for more compensation for a mis-sold endowment mortgage, (Under £400), my mother became seriously ill and subsequently died. When I got back on the case I was told that I was now outside the 6 month time limit to complain to the FO. Is that true, can't you still look at it?